Are you having problems with Insurance companies, banks, Micare, TouchN'Go, and other financial services companies?

April 18, 2025

Are you having problems with Insurance companies, banks, Micare, TouchN'Go, and other financial services companies?

Telelink Bank Negara e-form for complaints

https://bnmlink.bnm.gov.my/

IF YOU HAVE been encountering issues with insurance companies (Life, General, or Takaful), commercial banks, MiCare, Touch ‘n Go, Boost, or other financial services providers, it’s always better to lodge your complaint through this official e-form.

While I haven’t personally tried it yet, I believe this method should be more effective than sending direct emails to the companies. Often, insurance providers do not even publish their corporate office contact numbers on their websites.

I have urged Bank Negara Malaysia (BNM) to enforce a policy requiring financial institutions to disclose their corporate contact numbers publicly. This way, the public can bypass the frontliners who are often made to repeat scripted responses, while those truly responsible—the CEOs and senior management—remain shielded from direct feedback. As consumers, we deserve transparency and accountability.

This practice of hiding behind layers of customer service - using even MiCare as its "independent administrator " -- has only become more entrenched in recent years. Most of the time, customers can only access the service managers, beyond which the entire organisation becomes virtually impenetrable!

I have had on numerous occasions encountered such a roller coaster ride, with the most recent experience being TNG. I think TNG has become too big a monopoly that it no longer cares about customer satisfaction. It took me over 2 weeks of email correspondence and at least one call to get a refund of RM15.14 for a card that had gone missing. After Telelink@BNM intervened, I immediately received my money back. Prior to that, they asked the same set of questions SEVERAL TIMES. On my part, I had provided the same information at least 3-4 times.

Finally, when I called TNG and requested to speak to TNG’s customer service manager, a representative named Zuki told me flatly, “Sorry, my manager En Shahrul does not take phone calls.” Of course, I was not amused by his explanation.

Such similar modus operandi has repeated itself in other service organisations including even the telcos. Insurance companies are particular most notorious. They will keep dragging the issue until you give up!

The good news is that filing a complaint via the e-form means your issue also reaches the officers at BNM Telelink, many of whom are highly competent and genuinely understand the frustrations consumers face. I speak from experience—having dealt with them consistently for the past 6 to 8 years.

In many cases, especially on insurance matters, customer service departments will drag out your case in hopes that you will eventually give up. I have been through that rollercoaster before, and more often than not, it was BNM Telelink’s intervention that finally led to a resolution.

If you know you are in the right, stay persistent. Their strategy may be to wear you down—but with patience, determination, and the right channels, you can and should pursue the resolution you deserve.